KASIKORNTHAI Regulatory Capital and Financial Performance Update

K KASIKORNTHAI Growth Strategy: Penetrate Regional Market ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK ■To achieve rapid regional digital expansion in AEC+3 using 3 strategic plays to build growth momentum and accelerate customer base development and financial returns A B C China Strategy AEC Aggressive Play: Aggressively grow corporate lending Serving Local Large Corporates, Thai Directed Investors, and AEC+3 Investors Local Large Corporates Thai Direct Investment (TDI) AEC+3 Mass Acquisition Play: Acquire more customers Acquiring local SME and individual customers with partner collaborations Business Retail Acquiring local SME and individual customers via transactional banking channels and partners Business Retail Retail online lending via a self-owned platform under a self-owned platform under 'Better ME' concept K-Cyber Banking EDC Ecosystem Partners ATM/ Agent Supply chain financing via 'Better SME' concept K+ Disruptive Play: Grow digital lending with more local partners Capturing credit needs of individual customers with high-yield credit via E2E online credit tech BaaS Digital Lending Ecosystar Key Achievements in 9M23 We have successfully established KBank's presence in every country across the region, providing international-standard financial solutions catering to diverse customer segments ⚫ KBank China has successfully introduced IT foundation systems for its online business operations. • KBank Vietnam – Ho Chi Minh City branch has launched a new product designed for cross-selling within our fast-growing customer base. In addition, the number of K PLUS customers has significantly increased, surpassing 800,000 and is expected to reach 1.3 million by end-2023. KBank Indonesia via PT Bank Maspion has onboarded 3,000+ merchants in the QRIS initiative, demonstrating its extensive adoption. Note: EDC Electronic Data Capture Machine E2E = Enterprise to Enterprise QRIS Quick Response Code Indonesia Standard BaaS Banking as a Service บริการทุกระดับประทับใจ K KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Penetrate Regional Market: Asset-Light Regional Expansion into AEC+3 ■Growth in regional markets: With a strategic focus on the AEC+3 market, KBank is committed to implementing an integrated regional operating model encompassing physical presence, digital platforms, and regional partnerships. Physical Footprint 31 Note: South Korea China Lao PDR. Myanmar Japan Cambodia Vietnam Indonesia - Two subsidiary banks: KASIKORNTHAI BANK SOLE Limited (Lao PDR) with two branches in Ponesinuan and Lane Xang, KASIKORNBANK (CHINA) with four branches in Shenzhen, Chengdu, Shanghai, Beijing and one sub-branch in Long Gang Four international branches: Cayman Islands, Hong Kong, Phnom Penh and Ho Chi Minh City Six representative offices: Beijing, Kunming, Tokyo, Yangon, Hanoi and Jakarta - One strategic partner: Maspion Bank in Indonesia; KASIKORNBANK Group has become a majority shareholder of Maspion Bank in Indonesia by holding a share of 84.55% - Global partners with 80 banks in 14 countries: 50 Japanese partner banks; 10 Chinese partner banks; 1 Hong Kong bank; 3 Korean partner banks; 12 ASEAN partner banks (in Vietnam, Indonesia, Lao PDR, Cambodia, Philippines, Brunei, Malaysia and Singapore); 3 European regional banks (in Germany and Italy) and 1 Indian Bank บริการทุกระดับประทับใจ Lao PDR. Cambodia Myanmar Vietnam Indonesia Japan China Digital Platform X-Border Multi-Currency Settlement X-Border THB Direct Settlement X-Border Retail Payment Partnership AEC VietinBank: BIDV⭑ ECEL LBB Bank BANK MASPION mandiri BCA Maybank BDO Hana Bank + * 靜岡銀行 HICH BANK S 中国民生银行 CHUGOKU BANK 百十四旅行 ...and others 型 △ 愛知銀行 32 32

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